Easy Health™

What is it?

Easy Health provides you and your family with comprehensive cover, including the more expensive medical costs, and some pre-existing conditions after three years.

At the foundation is the Base Cover, providing high levels of cover for the big expenses such as surgical and medical (non-surgical) treatment in a private hospital.

Each person on your policy can also choose their own excess amount and pick from two additional options to suit them – the Serious Condition Lump Sum Option and the Proactive Health Option.

Application is simple and easy, with no need to declare your health history upfront. To find out more, contact your financial adviser or call us, and we can put you in touch with an adviser who can help you.

Why is it worth it?

Easy sign up – no health questions at application

Cover for some pre-existing conditions after three years continuous cover*

$300,000 surgical cover per person each year

$200,000 medical cover, including cancer treatment, per person each year

What will I be insured for?

Conditions

Benefits

Options

Covered conditions under this plan

Easy Health™ provides coverage for all the conditions in the table below, provided the treatment is covered by one of the benefits on the policy. The policy document for Easy Health™ is available below under Insurance documents.

All ACC top-up claims

Hernia, appendix

Anus, haemorrhoids

Oral (excluding orthognathic surgeries)

Unerupted and impacted teeth

Sinus, nose, ears

Ankle, elbow

Circumcision

Tonsils, grommets, adenoids

Skin lesion – GP

Skin lesion – specialist

Digestive tract, liver, kidney, pancreas, gall bladder

Breast, gynaecology, urology

Cancer surgeries and treatment

Shoulder, wrist

Varicose veins

Hip, knee

Heart

Brain, eyes, neck

Gland, vascular

Chest, back

Foot, toe, hands, fingers and thumbs

Non-surgical hospitalisation

Benefits of Easy Health™ Base Cover

These benefits apply to the conditions covered by Easy Health™ (click on 'Covered conditions')
All benefit limits apply to each person on the policy (just in case you thought you'd have to share!)

Note: this is not the policy document. For all the legal bits, see the Easy Health™ policy document under 'insurance documents'.

We cover one registered specialist consultation, and one diagnostic investigation each year. We pay up to $3,000 each year for up to five consecutive years.

ACC top up

Covers the difference in cost between what ACC pays for a physical injury and the actual costs of surgery or medical treatment.

Specialist consultations

Covers registered specialist consultations up to six months before and six months after admission to an approved private hospital for a medical condition.

No limits on each consultation. No limit on the number of consultations.

Diagnostic investigations

Covers diagnostic investigation up to six months before and six months after admission to an approved private hospital for a medical condition.

No limits each diagnostic investigation. No limit on the number of diagnostic investigations.

Post-hospital physiotherapy

Covers physiotherapy up to six months after hospitalisation.

We pay up to $750 per hospitalisation.

Post-hospital home nursing care

Covers home nursing care up to six months after hospitalisation.

We pay up to $150 each day and $6,000 each year.

Travel and accommodation

Travel and accommodation costs for you and an accompanying support person when you need to travel further than 100km from where you live for treatment.

We pay up to $8,000 each year.

Ambulance transfer

Road ambulance to and from a public hospital or an approved private hospital to another approved private hospital.

Suspension of cover

After 12 months of continuous cover, you can put your cover on hold for up to six months due to unemployment, or up to 24 months for travel outside New Zealand.

Waiver of premium

We cover the cost of all premiums on the policy for up to two years if a policyowner dies before age 70.

Funeral support grant

We provide a cash payment of $5,000 if an insured person dies between the age of 16 and 64 (inclusive), from any cause.

GP minor surgery

Minor surgery performed by a GP. Not limited to skin lesion surgery.

We pay up to $1,500 each year.

Registered specialist skin lesion surgery

Skin lesion surgery performed by a registered specialist.

We pay up to $6,000 each year.

Varicose veins surgery

Varicose vein surgery performed by a registered specialist or medical practitioner who is registered with the Medical Council of New Zealand and a fellow of the Australian College of Phlebology. Not limited to leg varicose veins.

We also cover the cost of associated intensive nursing care, X-rays, disposables and consumables, dressings and in-hospital pharmaceutical prescriptions (in line with the PHARMAC Pharmaceutical Schedule A to H).

Public hospital cash grant

Provides a cash payment when you are admitted to a public hospital in New Zealand for three or more consecutive nights.

We pay up to $300 each night for the third and each subsequent night and up to $3,000 each year.

Major diagnostics (not related to hospitalisation)

Covers for the following diagnostic investigations, whether or not you have been hospitalised.

Arthroscopy

Capsule endoscopy

Colonoscopy

Colposcopy

CT Scan

CT Angiogram

Cystoscopy

Gastroscopy

MRI Scan

Myelogram

PET Scan

No limit per diagnostic investigation. No limit on the number of diagnostic investigations each year.

Parent accommodation

Accommodation costs for a parent or legal guardian accompanying an insured person under age 20 (inclusive) who is being treated in an approved private hospital.

We pay up to $200 each night, and up to $3,000 per hospitalisation.

Post-hospital therapeutic care

Includes osteopathic and chiropractic treatment, speech and occupational therapy, and dietician consultations up to six months after hospitalisation.

We pay up to $250 for each hospitalisation, with no limit per treatment / consultation.

Overseas treatment

Covers treatment and travel costs when treatment cannot be provided at all in New Zealand and the Ministry of Health provides only partial funding, but that funding does not cover the full cost.

We cover up to $20,000 each overseas visit.

Cover in Australia

Covers costs for treatment undertaken in an approved private hospital in Australia.

We pay up to 100% of the cost that would be payable in New Zealand for treatment performed in New Zealand.

Intravitreal eye injections

Intravitreal injections administered by a registered specialist and the cost of drugs administered (in line with the PHARMAC Pharmaceutical Schedule A to H).

We pay up to $3,000 per year.

Obstetrics

Treatment by an obstetrician of a medical condition that is affecting or may affect a pregnancy.

We pay up to $2,000 for each pregnancy.

Loyalty benefit – sterilisation

After two years of continuous cover, covers the cost of a male or female sterilisation as a means of contraception.

We pay up to $1,000 per procedure.

Loyalty benefit – wellness

Provides you with a reimbursement every three years of continuous cover to help proactively take care of your health through a check-up with a GP.

We pay up to $100 every three years per insured person aged 21 or over.

Medical misadventure

We provide a lump sum payment of $30,000 if an insured person dies due to a medical misadventure.

Non-PHARMAC chemotherapy drugs

Cover for non-PHARMAC chemotherapy drugs that are Medsafe approved for the treatment of cancer. We pay up to $20,000.

Breast symmetry post mastectomy

Following a mastectomy, we cover the cost of reconstruction of the affected breast and/or reduction of the unaffected breast to achieve breast symmetry.

ACC Treatment Injury

Delayed Care

Premium waiver extension

Pre-existing cover for newborns

Additional options on Easy Health™ Base Cover

Add options to your Easy Health™ Base Cover to tailor your policy to your needs. Each person on your policy can choose the options that suit them. If you choose an excess, this does not apply to these options.

Note: this is not the policy document. For all the legal bits, see the Easy Health™ policy document under 'insurance documents'.

Insurance documents

Excludes any pre-existing conditions that relate to any cardiovascular condition, cancer, hip or knee condition, back condition, transplant surgery, reconstructive or reparative procedures or surgery, and any pre-existing condition under the Serious Condition Lump Sum option. Please refer to Page 58 in this policy document for further information.